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Unum 2007 Annual Report 33
December 31, 2007
Gross Total
Policy Claim Reserves Reinsurance Total
(in millions of dollars) Reserves % Incurred IBNR % Total (1) Ceded Net
Group Disability $ — —% $ 7,770.4 $ 596.9 33.8% $ 8,367.3 $ 92.9 $ 8,274.4
Group Life and Accidental
Death & Dismemberment 73.9 0.6 772.4 178.5 3.8 1,024.8 3.4 1,021.4
Individual Disability — Recently Issued
458.4 3.8 822.4 72.5 3.6 1,353.3 79.4 1,273.9
Long-term Care 2,478.2 20.4 244.3 32.6 1.1 2,755.1 52.6 2,702.5
Voluntary Benefits 853.1 7.0 19.1 35.0 0.2 907.2 14.6 892.6
Unum US Segment 3,863.6 31.8 9,628.6 915.5 42.5 14,407.7 242.9 14,164.8
Unum UK Segment 30.7 0.2 2,420.4 268.8 10.8 2,719.9 149.3 2,570.6
Colonial Life Segment 1,091.7 9.0 239.9 104.1 1.4 1,435.7 33.4 1,402.3
Individual Disability —
Closed Block Segment 1,657.2 13.6 10,013.8 391.7 42.0 12,062.7 1,374.4 10,688.3
Other Segment 5,515.2 45.4 518.3 288.9 3.3 6,322.4 4,770.8 1,551.6
Subtotal, Excl. Unrealized Adj. $ 12,158.4 100.0% $ 22,821.0 $ 1,969.0 100.0% $ 36,948.4 $ 6,570.8 30,377.6
Adjustment to Reserves for
Unrealized Investment Gains 859.3 (1)
Consolidated $ 31,236.9
December 31, 2006
Gross Total
Policy Claim Reserves Reinsurance Total
(in millions of dollars) Reserves % Incurred IBNR % Total (1) Ceded Net
Group Disability $ — —% $ 7,563.0 $ 790.3 34.3% $ 8,353.3 $ 101.5 $ 8,251.8
Group Life and Accidental
Death & Dismemberment 63.1 0.5 736.5 202.2 3.9 1,001.8 2.7 999.1
Individual Disability —Recently Issued
431.8 3.4 718.9 71.5 3.3 1,222.2 76.7 1,145.5
Long-term Care 2,067.2 16.4 195.0 31.6 0.9 2,293.8 57.1 2,236.7
Voluntary Benefits 787.9 6.2 22.3 36.3 0.2 846.5 13.3 833.2
Unum US Segment 3,350.0 26.5 9,235.7 1,131.9 42.6 13,717.6 251.3 13,466.3
Unum UK Segment 28.9 0.2 2,252.8 286.4 10.4 2,568.1 142.4 2,425.7
Colonial Life Segment 1,021.3 8.1 234.5 100.8 1.4 1,356.6 36.7 1,319.9
Individual Disability —
Closed Block Segment 1,777.8 14.1 9,794.9 443.9 42.1 12,016.6 1,498.7 10,517.9
Other Segment 6,444.3 51.1 561.4 282.1 3.5 7,287.8 5,686.4 1,601.4
Subtotal, Excl. Unrealized Adj. $ 12,622.3 100.0% $ 22,079.3 $ 2,245.1 100.0% $ 36,946.7 $ 7,615.5 29,331.2
Adjustment to Reserves for
Unrealized Investment Gains 963.1 (1)
Consolidated $ 30,294.3
(1) Equals the sum of “Policy and Contract Benefits” and “Reserves for Future Policy and Contract Benefits,” as reported in our consolidated balance sheets.